What This License Is
The Utah casualty line of authority covers insurance against legal liability — personal and commercial auto liability, commercial general liability, workers compensation, professional and management liability, umbrella and excess. It is issued by the Utah Insurance Department.
Utah adds something to that list most states keep separate: §31A-23a-106 defines the line as "casualty (including surety bonds)". A Utah casualty producer can write bonds without a separate surety authority, and questions about bid bonds, performance bonds and license-and-permit bonds are fair game on a casualty exam here for exactly that reason.
What casualty does not reach is first-party property — that is the property line — and the packaged personal auto-and-homeowners market, which Utah licenses as personal lines with its own much shorter exam. Producers building a commercial book normally want the combined Property & Casualty exam instead of this one.
Exam Options & Format
The Casualty exam is Prometric Series 17-23: 100 questions, 2 hours, $32 per attempt, with five unscored experimental items mixed in unlabeled. Register at prometric.com/utah/insurance or (888) 226-8740, in person at one of four Utah centers or remotely through ProProctor.
Series 17-04, Combined Property and Casualty, is the alternative: 150 questions, 2 hours 30 minutes, $44. Against $64 for the two single-line exams that is a clear saving, but it is graded as a single score with no partial credit — the bulletin is explicit that "you must pass the complete exam to qualify for a license." A candidate strong on liability and shaky on property is buying a real risk for the $20 saved.
No calculators are permitted on any Utah insurance exam. That is worth internalizing before you sit a casualty exam, where limits, retentions and comp benefit math all show up — the arithmetic is meant to be done on the provided scratch materials.
Most Tested Topics on the Utah Casualty Exam
Casualty is where Utah's state-specific content is densest, and it splits cleanly into auto and workers compensation. Both diverge from national material in ways that reward precision. From the TESTivity Utah regulations curriculum, statute-verified — first, auto:
| Utah auto concept | The rule, and where it comes from |
|---|---|
| Fault system | Modified no-fault. Utah mandates PIP, which pays your own medical costs regardless of fault, and permits a tort action only above a threshold (§31A-22-306 to -309) |
| Minimum liability limits | 30/65/25 for policies issued or renewed on or after January 1, 2025 — up from 25/65/15 under HB 113 (2023) (§31A-22-304) |
| Single-limit alternative | $90,000 in any one accident, replacing the prior $80,000. Self-insured private rental fleets keep the old figures |
| PIP minimum | $3,000 per person for medical expenses, plus statutory amounts for lost wages, funeral and survivor benefits (§31A-22-307) |
| Tort threshold | At least $3,000 in medical expenses, or a serious injury — permanent disability or disfigurement, dismemberment, or death |
| UM and UIM | Must be offered at limits up to the policy's liability limits; the named insured may reject in writing (§31A-22-305, §31A-22-305.3) |
| Negligence doctrine | Modified comparative — a claimant recovers only if their fault is less than the combined fault of the defendants, plus immune persons and allocated nonparties; at 50% or more they recover nothing (§78B-5-818) |
| Residual market | The Utah Automobile Insurance Plan, the assigned-risk mechanism, administered through the Western Association of Automobile Insurance Plans and serviced by AIPSO |
And workers compensation, where Utah's numbers are specific enough to be exam-reliable:
| Utah workers comp concept | The rule, and where it comes from |
|---|---|
| Mandatory coverage | Yes — any employer that "regularly employs one or more workers," part-time workers and minors included. There is no numeric small-employer exemption; the carve-outs are situational, not headcount-based (domestic employers under 40 hours a week, agricultural payroll under $8,000) (§34A-2-201, §34A-2-103) |
| Administering agency | The Utah Labor Commission, Division of Industrial Accidents (Title 34A) |
| Temporary total disability rate | 66-2/3% of the average weekly wage, plus $20 for a dependent spouse and $20 per dependent child under 18, up to four children (§34A-2-410) |
| TTD weekly ceiling and floor | Capped at 100% of the state average weekly wage; not less than $45 per week (§34A-2-410) |
| TTD maximum duration | 312 weeks, and that entitlement must be used within 12 years of the injury (§34A-2-410) |
| Deadline to notify the employer | 180 days after the injury, to the employer or the division, or the claim is barred (§34A-2-407(3)(b)) |
| Deadline to file for hearing | 6 years from the date of the accident to file an application for hearing, with the burden of proof met by 12 years (§34A-2-417(2)) |
| Employer compliance options | Insure with a private carrier (including WCF Insurance, Utah's competitive quasi-public carrier) or qualify as an approved self-insurer — Utah has no monopolistic state fund (§34A-2-201) |
The auto rows carry two easy losses. The first is the date on the limits: 30/65/25 is correct only for policies issued or renewed on or after January 1, 2025, and 25/65/15 is correct before that — a question set can legitimately test either, and the middle number never moved, which makes the pair unusually easy to half-remember. The second is the fault doctrine, where "modified comparative" is not enough. Utah's bar is not the flat 50%-or-51% rule taught nationally; §78B-5-818 compares the claimant's fault against the combined fault of the defendants — and of immune persons and allocated nonparties besides — which changes the answer in any fact pattern with more than one responsible party.
On the comp side, the two clocks are the trap. Candidates who memorize a single filing deadline pick whichever number appears and get it wrong half the time: 180 days is the deadline to notify, six years is the deadline to file an application for hearing, and they live in different statutes — §34A-2-407 and §34A-2-417 respectively. The $20 dependent allowances are the other detail national material omits entirely; Utah computes on a weekly wage like most states, then adds flat dependent amounts on top.
Fingerprinting for Your Utah License, Step by Step
Every initial resident producer applicant in Utah is fingerprinted for state and federal criminal-history checks. If you have licensed in another state, set that memory aside — Utah's process shares almost nothing with the common pattern.
Prometric takes the prints. Not IdentoGO, not Fieldprint, not a walk-in appointment at a sheriff's office or a BCI site. The Department's exam page is unambiguous: fingerprinting is done at a Prometric test center using live scan technology. Results go to the Utah Department of Public Safety's Bureau of Criminal Identification (BCI) and to the FBI, and come back to the Insurance Department.
There is no service code and no ORI number. This is the single detail that sends candidates in circles. Arizona hands out INS-055.A; several states issue a per-applicant ORI code after you apply. Utah issues nothing of the kind. Your authorization is a piece of paper: the printed Sircon or NIPR confirmation page from the application you just filed. That page, plus your passing score report, is what the test-center supervisor needs.
The order, for an exam-required license — all in one visit:
1. Register and pay Prometric for the exam ($32 for Series 17-23). 2. Take and pass it; results are immediate. 3. Still at the test center, use the kiosk to file your license application online through sircon.com/utah or nipr.com. 4. Pay the $12 FBI and $20 BCI fees by credit card inside that application — $32, to the Department. 5. Print the confirmation page right there. 6. Pay Prometric's separate $6.00 fingerprint processing fee, online at prometric.com/utah/insurance or by calling (888) 226-8740. 7. Show the supervisor your passing score report and your payment confirmation; prints are captured. 8. Allow about 30 days for BCI and the FBI to process before the Department can act.
If your license does not require an exam — a bail bond producer license, for instance, which Utah issues with fingerprints but no test — the sequence front-loads instead: schedule a fingerprint appointment and pay Prometric's $6 fee before you arrive, file the application at sircon.com/utah or nipr.com before you arrive, print the Sircon confirmation as proof the FBI and BCI fees are paid, and bring it with you.
One fee figure to verify at the kiosk. The Department's exam page says $12 FBI plus $20 BCI, totalling $32. The Department's own FY2027 Fee Schedule lists the same two items at $13.25 and $15.00, totalling $28.25. The exam page is the operational instruction and describes what candidates actually pay, so this guide uses $32 — but the two Department documents disagree, and the amount you are charged is the one that governs.
What It Costs
$32 to Prometric for Series 17-23, $38 in background-check fees split across two payees ($32 to the Department, $6 to Prometric), and $70 to the Department for the individual full-line license — roughly $140 on a first-attempt pass.
The $70 comes from the Department's FY2027 Fee Schedule; Prometric's bulletin still prints $75, so budget the higher figure and be pleasantly surprised. Adding casualty to a license you already hold is $25 and requires no new prints.
Retakes are the full $32 again. Utah publishes no cap on attempts — neither the bulletin, the Department, nor §31A-23a-108 imposes one — so the only real limit is the exam fee and Prometric's request that you wait about 24 hours for results to post before re-registering.
Eligibility Requirements
At least 18 — the application makes you attest to it (§31A-23a-104(2)(b)(iv)) — with a Social Security number, and no pre-licensing coursework required. A producer moving to Utah from another state must apply for the resident license within 90 days of establishing legal residence — inside that window the exam is waived for lines already held, outside it is not (§31A-23a-108(2)).
The fingerprint check and the application's background questions do different jobs. Prints surface record; the questions test candor. §31A-23a-111(5)(b) lists the grounds for denial, and fraud, dishonesty and breach of trust are the recurring themes. Disclose and document; the fee is non-refundable if the application is denied or incomplete.
Keeping Your License Active
Important CE details: Credits are reported to the state by the provider through Sircon within 14 days of course completion, and a renewal will not process until they post. Keep your certificates — the Department runs random mail audits.
24 hours every two years — 3 ethics, at least 12 classroom or classroom-equivalent, no more than 12 from insurer-provided courses. Utah assigns none of the 24 to a particular line, so a casualty producer's requirement is the same as everyone else's and may be filled with any approved content.
Renewal is on the last day of your birth month, biennially, and CE must be completed and posted by the provider before the Department will process it. The Property & Casualty guide carries the full renewal and reinstatement walkthrough, including the carryover prohibition and the one-year reinstatement window.
Quick Reference
Official Links
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